Computer software, namely, an electronic financial platform that accommodates multiple types of payment and debt transactions in an integrated mobile phone, PDA, and web based environment; computer software, namely, computer software for use in transmitting and processing electronic payments; downloadable mobile applications, namely, electronic financial platform that accommodates multiple types of payment and debt transactions in an integrated mobile phone, PDA, and web based environment; downloadable mobile applications for use in transmitting and processing electronic payments

Financial services, namely, providing electronic transfer of a virtual currency; financial transaction services, namely, providing secure commercial transactions and payment options; financial services, namely, providing electronic mobile payment services for others; financial transaction services, namely, providing secure commercial transactions and payment options using a mobile device at a point of sale; bill payment services; electronic payment services involving electronic processing and subsequent transmission of bill payment data; payment processing services, namely, credit card, debit card and virtual currency transaction processing services; payment processing services in the field of credit card, debit card and virtual currency payments; providing processing of electronic bill payments that are submitted via SMS, telephone, and other alternative payment methods; providing an internet website portal in the field of financial transaction and payment processing services